Franklin India Banking & PSU Debt Fund - Direct Plan - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Fund House : Franklin Templeton Mutual Fund

No of Debt Holding 29 (Category Avg - 60.90) | Modified Duration 2.15 Years (Category Avg - 2.97)| Yield to Maturity 6.81% (Category Avg - 6.68%)

Portfolio Summary (as on 31st Oct,2025)

Security Type	% Weight	Category Average
GOI	13.24%	14.96%
CD	14.85%	5.58%
T-Bills	0.00%	0.04%
CP	0.00%	0.08%
NCD & Bonds	68.58%	72.98%
PTC	0.00%	0.96%

Category - Banking and PSU Fund

Security Type	% Weight	Category Average
Government Backed	13.24%	14.99%
Low Risk	83.43%	79.60%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Category - Banking and PSU Fund

Debt holding in Portfolio (as on 31st Oct,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Jubilant Bevco Ltd.	NCD & Bonds	Restaurants	AA	CRISIL	397.88	7.97%	3.75 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	336.01	6.73%	6.00 k
Bond - India Infrastructure Finance Co. Ltd.	NCD & Bonds	Financial institution	INDAAA	FITCH	322.06	6.45%	3.00 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	CARE AAA	CARE	267.87	5.37%	250.00
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	LAAA	ICRA	267.83	5.37%	2.50 k
Bond - ICICI Bank Ltd.	NCD & Bonds	Private sector bank	CARE AAA	CARE	258.95	5.19%	25.00
Bond - Housing & Urban Development Corporation Ltd.	NCD & Bonds	Financial institution	LAAA	ICRA	258.04	5.17%	2.50 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	254.71	5.10%	2.50 k
Bond - Govt of India	GOI	Other			253.87	5.09%	25.00 L
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	248.35	4.98%	500.00
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	247.22	4.95%	500.00
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	209.29	4.19%	20.00
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	LAAA	ICRA	204.15	4.09%	200.00
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	196.15	3.93%	400.00
Bond - National Housing Bank	NCD & Bonds	Financial institution	AAA	CRISIL	155.37	3.11%	1.50 k
Bond - Govt of India	GOI	Other			126.67	2.54%	12.75 L
Bond - Jubilant Beverages Ltd.	NCD & Bonds	Other beverages	AA	CRISIL	122.23	2.45%	1.15 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	106.30	2.13%	1.00 k
Bond - Govt of India	GOI	Other			105.63	2.12%	10.00 L
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	LAAA	ICRA	104.86	2.10%	1.00 k
Bond - National Housing Bank	NCD & Bonds	Financial institution	AAA	CRISIL	104.77	2.10%	1.00 k
Bond - Govt of India	GOI	Other			104.34	2.09%	10.00 L
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	52.99	1.06%	5.00
Bond - Govt of India	GOI	Other			50.81	1.02%	5.00 L
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	49.29	0.99%	100.00
Bond - Govt of India	GOI	Other			5.33	0.11%	52.56 k
Bond - Govt of India	GOI	Other			5.07	0.10%	50.00 k
Bond - Govt of India	GOI	Other			4.40	0.09%	46.20 k
Bond - Govt of India	GOI	Other			4.09	0.08%	41.70 k